Having recently discovered I can claim a portion of my previous Mortgage Exit Administration Fee charges I thought I'd look at my old mortgages other charges. I discovered that, when I was younger and far less concsientious than I am now, I had paid a 2,000 pound MGI/MIG. Firstly I am dissapointed with my old self for agreeing to it and secondly I am furious that I added it to the mortgage and did not just pay it. I wondered if you'd pressed the issue and got anywhere??

P.S. You brought a tear to my eye too.........I'm actually completely bricking it about being a mum. At 32 (left it later than most) I only just feel old enough to be able to look after myself depsite, ironically, seeming like a parent to my own parents for years (at times)). That's another story - sorry, am nicking your thread - naughty. On a random note - wot do you reckon about starting a thread about having a disabled family member/being a carer/respite etc. I reckon there's loads of people out there that migtht do better for their loved ones, amd themselves, if we shared all of our experiences and knoweledge gained. You'd possibly know better than me. Dad was entitled to loads more than we thought originally when we did some digging and got some help. Hope Dave and Bankfodder wouldn't mind. Thoughts when you have time, perhaps by PM to save boring everyone?? Bye for now (banged on again - can't sleep, baby screwing with my tummy and bladder..............little sod ;-))

Hello, Blimey - did that parking space have diamond encrusted white lines??? How much are they trying it on - it's all ammunition to use back against them if necessary - B*******s.

Hey Boo, This is wierd 'cos i just randomly bumped into your msg on another thread about what we do for a living. It must be really hard to bite your lip, but you're right about her doing it for herself. Whatever she decides to do, it sounds as though she has her head screwed on, probably a lot thanks to you, and she'll do just fine. Everything happens for a reason eh. I've wanted to get stuck into a few people/organisations lately on behalf of my dad (also wierd 'cos I noticed what you do for a living - he lives in wardened accom in London - where I grew up - and after 2 strokes often needs help communicating (loss of speech and swallow - 9 years now)). But I have to be really careful, and often quite smarmy, to stay in peoples good books to get the best for him (when most of the time I really want to let rip and tell them how bloody useless and incompetent they are....;-)). It's all about playing the game I suppose. God knows I've learnt that in my job (This is strangely therapeutic (does that make me quite sad??)). I've been in the military for 10 years now (joined before his 1st stroke, so never been able to help as much as I might've liked) and working predominantly with blokes (stone age ones on most counts) can be a nightmare. Last year I had a terrible time on a sqn of 150 blokes, being the only girl,.....in the aircrew environment, with detachments and all it's even worse. Having never had a problem fitting in with lads before some things happened that i struggled to cope with. But, from learning to stay positive and fight fairly (with a cunningly accurate record of all of the facts (whic they didn't have the noggin to have)), I changed a few things so that the future is brighter for other girls and newbies in similar situations. I can soooo bang on - am gonna have to learn not to. Soz. Stay calm and be there for her. The new company should have seen enough that a dodgy referral won't matter - if they haven't more fool them. Fingers crossed. I hope I'm as supportive a mum as you when my first bump pops out on a few months time. Good luck.

Hi Boo, I was just browsing when i came across your thread. Not anything of value to add except - good luck to you both. I wish I'd had a mum like you with some of my(bullying, poor managment, EO) similar troubles in the past. To re-emphasise an earlier comment as good advice to your daughter - write everything down, even if it seems insignificant at the time. It's amazing sometimes how things bizarrely slot together when you look back, but didn't raise an eyebrow at the time. That's when you can hit them with the 'facts' and expose how, although they think they have power over you, it's the good, just and honest people who will win in the end (sounds soppy, but really, even if it's only the moral victory). Right, having looked back and seen how sad I sound...doh! I'll leave it there. I really hope, in time, she rises above it all and uses it, as experience, to thrive from and to ensure that it doesn't happen again to her, or anyone who ends up working for her, in the future. Give 'em hell. Ange

Sarcy Sods aren't you all......quite amusing though. Ladylush, I've just started too so good luck. From my minimal experience (1 day on here.....wot a veteran:shock: ) just make sure you have everything you need before you kick off. Otherwise, like me, you'll maybe have to do a little back tracking. Everyone seems really helpful though........and sarcastic on occasion too:rolleyes: .

Thanks people, I really appreciate your thoughts. I suppose if it's worth doing at all, it's worth doing properly. S.A.R. Here we come. You never know, this person at Customer Services might be able to help with that one - or is that a bit 'pie in the sky'. NatWeststaffmember (thanks for your thoughts - you're no doubt right), what d'ya reckon? I'm still gonna attempt a meaningful dialougue with her.........watch this space and I'll let you know what happens. One more question though, you say the interest is only claimable if the charges push you overdrawn. What if you have a £1500 limit at a low rate and then you go over slightly (incurring masses of interest), and the subsequent charges make it nigh on impossible for you to get back? £2-300 in 7 days on some occasions. Interest then remains at stupidly high rate and you keep getting charged because of charges....aaaaggghhhh. Aren't they naughty. I guess no-ones case is straightforward but I don't wanna balls it up from the offing.??? I'll get the S.A.R off and see what comes of Miss Customer services.....my butter bean will be as big as a lemon by then....maybe bigger if it's not twins......agghhhhhh!. Then we'll need 6 years worth of money:shock:. Good luck with all your different cases, I'll keep an eye on your progress in the meantime. With a view to nicking your ideas;). I think I miss this already:oops: . Thanks Clarky. You may get the odd PM,as I have what will no doubt be a few blonde/hormonal and confused moments before then.

Hey Clarky, Another newbie here. Reading yours from the start was one of the things that convinced me to get on here. I have my fingers crossed for you. I've started on a slightly different route and am now a bit confused as to exactly which way is the way forward (yes i've read all the FAQs etc......;-)). Could you have a look for me - not sure how to write a link but am in welcome page (entitled 'pregnant n growing vs NatWest). Have waited a while for a response - am perhaps being a little too impatient? Your thoughts'd be appreciated, you seem to know a lot more than I do based on your experience so far. Hey Purplechris.....we'll probably working on the same timescale....ish. Good luck.

Am also now thinking of going the whole hog, back-tracking, and asking for the last six years worth to look at. Am still very interested to hear thoughts on my previous post.......please?......................................anyone....................

Cillitbang (butterbean fine, thank you:) ), bankfodder, Thanks guys (Cillitbang - is that stuff any good by the way???? ). I was about to start my LBA today in prep, but will go back to prelim letter as it does seem more applicable. However.........all change. We just got a letter this morning from the Customer Care Team at Credit Management Services at NatWest!!! I should mention the account is currently £2600 ish o'drawn (£2400 of which is interest and charges from last 19 months). I rang them straight away but they have not had a chance to look into it yet, the letter states: 'Initially, let me thank you for bringing this to my attention, as it is important we are made aware of any instance where our customers feel we have fallen below the standards expected of us.' I doctored the Which letter slightly, I went on about how shocking it was that asuch a large institution had such an irresponsible attitude towards offering help and advice to their account holders when clearly in trouble...let alone making it exponentially worse with the damn charges. 'As part of the customer care team, I have read your letter carefully and I am currently investigating the issues you have raised. I will be in contact again within ten working days to provide you with either a full response or further update of my investigation. I will do my best to resolve your concern quickly. To make you aware of all the options available to you I have enclosed the leaflet entitled 'Customer Complaints - making things better', which explains how we would handle customers' concerns with NatWest.' ......... not helpful or applicable in this case. 'If you would like to contact me in the meantime'.....blah Hmmmmmmmm....... I thought. I rang them. She hasn't looked at it yet so couldn't discuss it (also hadn't recieved the letter authing me to act for him yet....handy!! not!). I mentioned the course of acton I thought we may need to take, but said I would not start it until we had discussed things. I guess that won't hurt as it's all gonna happen anyway - the worst that can happen is it delays things slightly. My fault really, for going the Which route, but you never know, I suppose I've got to give them a chance to at least attempt to reslove the situation. Thoughts please............should I now put this thread into the NWB bit? How do I take it all over there? Or do I have to start from scratch?? Bankfodder, have you had any correspondance with Which? I think I might write to them otherwise (I have e-mailed Emma B there a couple of times and she was helpful), they are trying to help but I think pointing people in this direction would make life easier for everyone. Thoughts on that please??

WOW - Mind boggling but slowly making sense of it all - seems common sense when you do:confused: . Bear with me folks:-) Started this on behalf of my fiancee based on Which? magazines articles. Used their 'letter two' as we had the last 2 years of bank statements to go on and that was the worst time. Have sent that letter claiming back £1995 in charges (also, not claiming but mentioning the £407 interest) from a recent 19 month period. However.......... It now seems I did not calculate charges correctly based on info read here in last few days, I did not send schedule of charges either....ooops. Letter was dated 5 Sep 06. Nor did I say they had 14 days to respond. I'm wondering if I should now go straight to LBA as this will correct earlier, small, mistakes. They would still have had a chance to respond to first letter regardless of slightly misleading contents and, hopefully, the new LBA will be spot on correct. I have spent time reading all the FAQs and other stuff - all very helpful thanks. Just wondering if my gut feeling, to go to LBA at 14 days from 5 Sep (inc spreadsheet of correct charges claimed), would be the right course of action?? If anyone's got time to post advice here i'd be grateful......as would my 3cm 'butter bean' growing inside me (we've decided to take our hormones out on some one more deserving than daddy;-) , ie, NWB). Dave and Bankfodder, this site is awesome and you should be very proud of yourselves. thanks. I will be getting the other half to donate WHEN bank coughs up and i think i will out of sheer admiration too. Nice one lads (lasses......who knows!!). All contributions (advice) to my cause gratefully recieved.